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Private Car Insurance
Plan Coverage
Private Car Insurance Plan provides you with comprehensive protection. In case of traffic accidents leading to vehicle and third party property damage, bodily injury or death of the driver, passengers and third party, the Plan will take care of the repair or compensation.
24-hour repair approval allows you to enjoy your ride worry-free
24-hour Repair Approval Service
Unlimited windscreen and car window damage coverage
New for old vehicle replacement coverage
Free personal accident insurance coverage of up to HKD150,000 for one year
24-hour towing and assistance hotline
Insured Items and Coverage Maximum Claim
Third Party Legal
Liabilities Insurance
Basic Protection
Legal liability for causing
(a) Third party's death or bodily injury
(b) Third party's property damage while using the insured car
Comprehensive Protection
Covers loss of or accidental damage to the insured car
Covers medical expenses for any accidental injury of the insured, driver or passengers of the insured car
Other Coverage:
(a) Personal Accident Insurance for one year
(b) Unlimited windscreen and car window coverage, if each claim does not exceed HKD5,000, No Claim Discount will remain unaffected and there will be no excess
(c) New for old vehicle replacement: If in the first year there is a total loss of the new vehicle in an accident or if it is stolen, the settlement will be based on the value of a new vehicle of the same make and model, without deducting for depreciation
 Compensation will be based on the value of the vehicle and the degree of accidental damage.
    • (1) Third Party Legal Liabilities Insurance is a minimum requirement for car owners as set out by the Government of the Hong Kong Special Administrative Region.
    • (2) This page is only intended as a general summary. Please refer to the policy for detailed terms and conditions and exclusions.
    • (3) Insurance products offered by QBE General Insurance (Hong Kong) Limited are only available for subscription for residents of the HKSAR.
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Please call QBE General Insurance (Hong Kong) Limited Customer Service Hotline during office hours for more details and applications.
Important Notes

The above general insurance plan ("Plan") is underwritten by QBE General Insurance (Hong Kong) Limited which is authorised and regulated in Hong Kong by the Insurance Authority. Hang Seng Bank Limited ("Hang Seng Bank") is an insurance agent authorised by QBE General Insurance (Hong Kong) Limited for the distribution of this Plan. Premiums will be payable to QBE General Insurance (Hong Kong) Limited upon enrolment of this Plan. QBE General Insurance (Hong Kong) Limited would provide Hang Seng Bank commission and performance bonus as remuneration for distribution of this Plan. The existing staff remuneration policy on sales offered by Hang Seng Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount.

In respect of an eligible dispute arising between the Hang Seng Bank Limited and the customer out of the selling process or processing of the related transaction, Hang Seng Bank Limited is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved directly between QBE General Insurance (Hong Kong) Limited and the customer.